Frederick County property record for 13414 Tower Rd, Thurmont, MD 21788
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,375 sqft · built 2007 |
| Lot Size | 6 acres (261,360 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,638 (2025) |
| Deeds & Mortgages | Mar 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-588440 |
| Primary APN | 10-588440 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,375 sqft Living Area |
| Gross Area | 3,019 sqft |
| 1st Floor Area | 2,375 sqft |
| Utility Area | 300 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 261,360 sqft |
| Garage Type | Attached |
| Garage Area | 644 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 120 sqft |
| Shed | 1 Shed |
| Shed Area | 2,700 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 588440 |
|---|---|
| Street Address | 13414 TOWER RD |
| City | THURMONT |
| State | MD |
| Zip | 21788-1411 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | IMPS LOT 2B 6.00 ACRES SCHINNERER SUB |
| Legal Subdivision | ACRES SCHINNERER SUB |
| Legal Lot Number | 2B |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 10, HAUVERS |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 752801 |
13414 Tower Rd is owned and occupied by two individuals who acquired it in June 2011.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 13414 TOWER RD, THURMONT, MD 21788-1411 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jun 24, 2011 |
| Transfer Doc | 0084400025 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 13414 TOWER RD, THURMONT, MD 21788-1411 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMERICAN TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0123110373 |
|---|---|
| Date | Mar 9, 2018 |
| Book Page | 12311/0373 |
| Name | SUNTRUST BANK |
|---|---|
| Type | Bank |
| Address | BALTIMORE, MD 21202 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 13414 Tower Rd was $5,638 with a homeowner's exemption, up 6.2% from the year before.
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $531,100 (+8.32%) Land $102,500 Building $428,600 | $531,100 (-) Land $102,500 Building $428,600 | |
| 2025 | $5,638.00 (+6.24%) Homeowner's exemption | $490,300 | $531,100 Land $102,500 Building $428,600 |
| 2024 | $5,307.00 (+8.82%) | ||
| 2023 | $4,877.00 Homeowner's exemption | $408,700 Land $92,000 Building $316,700 | $408,700 Land $92,000 Building $316,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 13414 Tower Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1996.
Source: FEMA National Flood Hazard Layer, effective November 6, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 4 (1996–2012) |
| Claims Outside the SFHA | 2 of 4 |
| Most Recent Claim | Oct 2012 · Hurricane Sandy |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 13414 Tower Rd is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · above 70% of Maryland |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 25 / 3 |
5G (outdoors only) and 4G LTE
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